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Credit Lock Plus is a powerful way to prevent identity thieves from accessing your TransUnion and Equifax credit reports. Learn more about how easy it is to protect your reports with Credit Lock Plus.

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Score Simulator shows you ways your current credit score would change based on future actions and events.

TrueIdentity Free Identity Protection

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CreditCompass™ shows you clear recommendations you can start using now to achieve the credit score you want.

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Educate yourself about what impacts your credit scores. Understand how your credit score plays a crucial role in major life decisions, from auto financing to buying a new home. Click here to explore our article archive.

Identity Theft

Identity theft is a serious crime. Learn more about how to protect your personal information. Find easy tips for preventing identify theft, from locking your credit report to setting up better passwords.

Credit Monitoring

Learn more about the importance of credit monitoring. With credit monitoring you can spot identity theft, correct inaccuracies and receive alerts when changes are made to your report. Keep yourself informed. Read more about how credit monitoring can contribute to your financial health.

Debt and Money Management

Develop the management skills to create and maintain your financial health. Read more about simple ways you can take control of your finances. Useful tips for making a budget, reducing your debt and building a brighter financial future.

Credit Bureaus

You have three different credit reports, one for each of the three credit bureaus—TransUnion, Experian and Equifax. Information varies from bureau to bureau, so it’s important to monitor all three of your reports. Click here to learn more.

Annual Credit Report

You can order your annual credit reports from each of the three credit bureaus (TransUnion, Experian and Equifax) online at AnnualCreditReport.com. Click here to learn more about how to interpret your credit reports.

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Whether you’re a first-time homebuyer, second-mortgage seeker or refinancer, financing a home may be the most important investment you make. Learn more about one of the biggest financial decisions of your life.

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Get Your Free Annual Credit Report

You can order your annual credit reports from each of the three credit bureaus (TransUnion, Experian and Equifax) online at AnnualCreditReport.com. Click here to learn more about how to interpret your credit reports.

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Learn how to dispute inaccurate and fraudulent information on your credit report. TransUnion offers the easiest and fastest way to resolve any and all inaccuracies on your record. Click here to file your dispute now.

Credit Freeze

If you are concerned about becoming a victim of fraud or identity theft, a Credit Freeze might be right for you. Learn more about placing a freeze on your credit report to prevent lenders from accessing your TransUnion credit report entirely, which will prevent them from extending credit.

Credit Disclosures

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Active Duty Credit Monitoring

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Spring home buying? 5 key steps to take now.

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The spring home-buying season is right around the corner. Here's how to prepare now.

With the spring season comes home-buying season. Since buying a home is a big decision that requires a good deal of preparation, it's smart to start now. If you're thinking about buying a home soon, here are 5 steps you should consider taking now.

1. Check your credit.

If you're not regularly checking your credit at all 3 major bureaus (TransUnion, Experian & Equifax), now would be a great time to see where you stand. Getting approved for a mortgage typically requires healthy enough credit, so you"ll want to check now to avoid any surprises later.

2. Find a lender and get pre-approved.

If you find that your credit is healthy, now may be a good time to line up a lender and seek mortgage pre-approval. It's one step you can get out of the way before you start shopping.

3. Zero in on a neighborhood and price ranges.

While you may not be ready to attend open houses and showings, you should start thinking about which neighborhoods you might like to focus on. Start getting an idea of what houses cost in your neighborhood or neighborhoods of choice.

4. Figure out how much you can put down.

It's also a good idea to take stock of your savings to see how big of a down payment you can afford. Typically, if you can't put down at least 20% of the price, you'll have to pay PMI (Private Mortgage Insurance) until you have at least 20% equity in the home you'd buy.

5. Figure out how big of a monthly payment you can afford.

Being able to afford a home of your own isn't just about the down payment and mortgage. It's also about knowing you'll have enough budgeted every month for your payments. Remember, just because you get approved for a big mortgage doesn't mean you'll be able to afford the monthly payments.

If you're thinking of buying a home, the above are just some of the things you should be considering ahead of time. And if you find you're not quite ready to buy, that's okay. Buying a home may be the biggest investment you end up making, so prepare your best, whether it's this spring, during home-buying season or beyond.

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